Introduces
Sun Life Direct offers life cover for an affordable monthly premium. You can start a Plan to leave a cash sum for your loved ones, which could help towards funeral expenses, outstanding household bills or provide a nest egg for children or grandchildren after you‘re gone.
Get a quote »Peace of mind starts from just 23p* a day
To decide if this Plan is right for you carefully read the details below especially the Terms and Conditions. You can also call Sun Life Direct on 0800 904 7617 quoting ref 14186 if you have any further questions. This Plan is provided by AXA Wealth Ltd, trading as Sun Life Direct.
We don‘t ask you to have a medical or complete any health questionnaires. Provided you’re aged 50-85 and a UK resident, you’re guaranteed to be accepted.
Premiums start from as little as £7 a month, with a maximum of £74 a month (subject to a maximum life cover of £20,000).
Click on any question below to reveal the answer.
The Guaranteed Over 50 Plan is an easy way to leave a fixed cash sum for your family after you've gone, either as a gift or to help towards funeral expenses.
The Guaranteed Over 50 Plan is a whole of life policy - you choose a fixed monthly premium at the start and provided you keep paying them throughout your life and your Plan has been in place for at least two years, a fixed cash sum will be paid to your estate when you die. As the cash sum is fixed inflation will reduce its value over time.
If you die within the first two years of taking out your Plan, we will pay back all the premiums paid, plus half as much again.
No. There are no health questions to answer, and no medical whatsoever. Provided you're aged 50 - 85 and a UK resident, you're guaranteed to be accepted.
That depends on how much cover you'd like or how much you'd like to pay each month. You can choose from a range of premiums - from £7 up to £74 per month (subject to a maximum life cover of £20,000).
You need to choose a monthly premium you are confident you’ll be able to afford for the rest of your life. If you were to stop paying your premiums, your Plan would be cancelled and you wouldn’t get anything back.
To help get the Plan underway, the first premium is free.
No. Your premiums and level of cover are fixed, so will never change regardless of how long you live or your state of health. Depending on how long you live, the total premiums paid in may be more than the cash sum paid out.
You can pay by Direct Debit. This ensures you never have to worry about forgetting your monthly premiums. When you apply online you will need to provide your bank details as part of the application.
No. The Plan has no cash-in value so if you cancel your Plan or stop paying your premiums, your life cover will end and you won't get anything back. You need to be totally comfortable that you can keep up your premiums for the rest of your life when you take out the Plan.
The amount paid out on your death will normally form part of your estate, so may be subject to inheritance tax, unless you write your Plan subject to an appropriate trust. Tax information is based on our interpretation of current law and HM Revenue & Customs practice. How taxation could affect you will depend upon your personal circumstances. Tax legislation may change in the future.
You have 30 days from the day you receive your policy documents during which you can cancel your Plan and have any premiums paid refunded in full.
After that, you can cancel your Plan at any time by notifying us in writing. Remember, if you do cancel, your life cover will end and you wouldn't get anything back.
AXA Wealth Ltd, which trades as Sun Life Direct is one of the UK's leading providers of life cover and the Guaranteed Over 50 Plan is the most popular Plan of its type*. Since the very first over 50s life cover plan was introduced in 1979, the team at Sun Life Direct have been continually responding to the life insurance needs of its customers.
* Most popular whole of life guaranteed acceptance plan bought directly. Source: ABI statistic, Q1 - Q2 2011
When the time comes for your loved ones to let us know that they’ll be making a claim, they can call us on 08458 35 36 37 or write to us at AXA Wealth Ltd, PO BOX 446, Bristol, BS99 1DR.
To process the claim, we will need:
It is important that you keep the policy documents safe and let your next of kin know where to find them.
If these documents are not available, the person making the claim should contact our policy helpline on 08458 35 36 27.
Please make sure that you read all the information on this site together with the Guaranteed Over 50 Plan Terms and Conditions including the Policy Summary.
You will require Adobe Reader to view the document above, download it for free at get.adobe.com/reader/ 
Please note: We are not responsible for the content of external websites.
If you decide this Plan is right for you and take one out, we'll thank you with a welcome gift of your choice.
Simply choose from the gifts below and we’ll send you the appropriate Argos voucher, which you can then take into any of the Argos stores throughout the UK and claim your gift.
Take the stress out of car journeys with the ultimate travelling companion.
Capture your home movies with this compact camcorder. It's so small and lightweight you can carry it around in your pocket!
Relax, put your feet up, and watch all your favourite TV programmes on this sleek and stylish 16 inch widescreen HD ready LED TV.
From electrical goods to garden furniture, Argos and Homebase have it. This giftcard can be used in either store or online.
Say cheese! Capture precious memories with this 9 million pixel digital camera with a 2.3 inch screen and 6 x digital zoom. It’s easy to use and even shoots movies. It comes complete with a handy strap, software and USB connection so you can create photo albums and retouch your photos on your computer.
If you take out a Plan, you are entitled to one gift only from Sun Life Direct: we don't issue duplicate gifts. We reserve the right to change or withdraw this gift entitlement, and we also reserve the right not to supply a gift to anybody who has acted fraudulently or has already cancelled a Plan bought through Sun Life Direct.
If your chosen gift is not available, you will be offered an alternative. We'll send you your gift around one month after you pay your first premium. As the first month's premium is free, this may be two months into your policy.
This website contains information on how the Guaranteed Over 50 Plan works. As the website does not contain advice, you need to be satisfied this type of policy meets your needs. If you are unsure and need advice, please visit www.unbiased.co.uk to find an Independent Financial Adviser in your area - you may have to pay for the financial advice provided. Alternatively, if you have any questions about the plan, you can call Sun Life Direct on 0800 904 7617 quoting reference number 14186.